You also need the 4-digit PIN too, to get into the Monzo app/account. So more secure than just email.
Unless you email your PIN to yourself as a reminder and leave it easily discoverable in your hacked-inbox…
Yeah, I suppose I’m meaning that some emails, especially hacked ones, or less security conscious email providers are at risk of receiving spammy fake Monzo ‘magic links’, which leaves the onus on the user and their ability to be not only safe with Monzo, but with their email account.
This isn’t a dig at you, but this decision has nothing to do with security and everything to do with laziness or no real need from Monzos part.
Because you absolutely could allow multiple device login. A number of high street banks do this and I do nearly all my banking on the iPad.
So either every bank that offers this is unsecure or this is a poor reason for not doing it. A better option could just be “there just isn’t the demand for it”.
I’d consider this basic functionality that should be there. Why no iPad or web app anyway?
Security.
And yet other banks have managed it just fine. It’s bizarre that monzo business customers can have online banking but personal banking customers can’t.
One shoe doesn’t fit all, free to bank with the others if more suitable for you.
Not all banks need to be the same, I wish people would ditch this ideology.
Agreed.
If all banks were the same, why have most of us been using Monzo instead 
Exactly.
While not so above the rest in some ways, it’s still a great bank.
Revolut always swings me back though 
Multi factor authentication ?
Monzo business customers can bank on the web.
For one reason or another Monzo don’t want to offer this to personal customers. None of us know why and Monzo aren’t going to say anything other than it’s “to keep things safe and secure“. If it’s a key feature for you then you probably need to look at banking elsewhere as I don’t think Monzo will change their stance any time soon.